Average total cost exceeds average variable costs by the value of marginal cost

One of the risks of maturity transformation is that:

A) it can increase the rate of inflation. B) it reduces the profitability of banks. C) it can lead to bank runs. D) it discourages savings.

Which of the following is most likely to increase an individual's current spending?

A) Paying back a loan today B) Borrowing money today C) Depositing money today D) Withdrawing money in the future